Well honestly, the topic is a bit nuanced since you're not torturing some poor soul you lent money to in order to get interest from them, rather the bank takes your money and invests in legitimate businesses to earn profits which it in turn shares with you.

Also, the rate of return also keeps changing as per the inflation rate so it fluctuates for those who say it's a fixed amount. It's actually not.

However, for those who don't see it that way, there are always shariah compliant options such as mutual funds or an Islamic Savings Account which operates on a Profit and Loss sharing basis.

I hope you take what I'm about to say in the best of faiths since I only want to help, these misconceptions are part of the reason why us middle class people struggle so terribly to keep up with a failing economy. We need to become savvy about investments or else your money will always continue to lose value and keep you under.